Our guest this episode is Avery Miller, VP and Head of Digital Consumer Product and the Avion Rewards Platform at RBC. Avery got his MBA at the University of Richmond and spent time before going to RBC at Capital One and PayPal. We talk about how connected finance impacts shopping and card use and loyalty programs. Topics include: How are financial services organizations doing at keeping up with modern shopper expectations, wants, and needs? How consumer expectations are changing generation to generation. Where the data that powers purchasing and rewards programs comes from. How interconnectivity is being achieved to facilitate shopping and payments. Implicitly and explicitly given data and the proper way to use that data for better consumer experiences. Is the current infrastructure enough to build the connected finance ecosystem of tomorrow? The impact cloud, AI, and quantum computing will have on verifiable sources of trust. What are the odds we can ever get to open banking on a global scale? Helpful Links:Avion RewardsAvery Miller on LinkedInEnvestnet Yodlee